What If You’re Injured by an Uninsured Driver in Washington?

🚗 What If You’re Injured by an Uninsured Driver in Washington State?

It’s a situation no one wants to be in: you’re seriously injured in a car accident—and the driver who hit you has no insurance.

Unfortunately, this isn’t rare. Nearly 1 in 5 drivers in Washington State are uninsured, placing you at risk every time you drive.

So what happens next? How do you pay for your medical treatment, your lost wages, and your vehicle repairs?

🚨 If You’re Hit by an Uninsured Driver

If the other driver has no insurance, you won’t be able to collect from their liability policy. But that doesn’t mean you’re out of options. Here’s how to protect yourself:

✅ 1. Use Your Auto Insurance

• Personal Injury Protection (PIP)
  PIP coverage pays your medical bills, lost wages, and essential services—regardless of fault. It’s a no-fault coverage available on most Washington auto policies. If you didn’t decline it in writing, you probably have it.
• Uninsured Motorist (UM) Coverage
  This covers you when the at-fault driver has no insurance. It helps with your medical bills, lost income, and pain and suffering.
• Collision Coverage
  For damage to your vehicle, collision coverage applies even if the other driver can’t pay.

✅ 2. Use Your Health Insurance

If PIP or UM runs out, your personal health insurance may cover remaining costs—but you may still face deductibles, co-pays, and delayed billing.

👨‍⚖️ We’re Here to Help

Navigating insurance claims after a crash can be overwhelming—especially when the at-fault driver is uninsured.

At Althauser Rayan Abbarno, our experienced injury attorneys will:

• Help you access your insurance benefits
• Handle negotiations and paperwork
• Fight to get you the full compensation you deserve

📞 Free Injury Consultations by calling (360) 736-1301
🌐 CentraliaLaw.com
📍 Offices in Centralia
🗣️ Se habla español – Spanish-language services available